19 Best European P2P Lending Platforms in 2023 🎖️
Want to invest in loans? Here are the best P2P lending platforms in Europe to invest with:
Avg. return:
~14.30%
Available:
Most places
Launched:
2019
Minimum:
€10
Auto-invest:
Yes
Sec. market:
No
Protection:
Buyback
Bonus:
+1%
Or see our:
Lendermarket review
Avg. return:
~13.29%
Available:
Europe
Launched:
2020
Minimum:
€10
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Buyback
Bonus:
+1%
Or see our:
Esketit review
Avg. return:
~45.00%
Available:
Worldwide
Launched:
2019
Minimum:
£1,000
Auto-invest:
No
Sec. market:
Yes
Protection:
No
Bonus:
No
Or see our:
AxiaFunder review
Avg. return:
~11.06%
Available:
Europe
Launched:
2017
Minimum:
€10
Auto-invest:
Yes
Sec. market:
No
Protection:
Buyback
Bonus:
+0-1%
Or see our:
PeerBerry review
Avg. return:
~12.60%
Available:
World (÷USA)
Launched:
2015
Minimum:
€10
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Buyback
Bonus:
No
Or see our:
Mintos review
Avg. return:
~9.85%
Available:
Worldwide
Launched:
2018
Minimum:
€50
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Buyback
Bonus:
No
Or see our:
Debitum review
Avg. return:
~11.81%
Available:
Europe
Launched:
2020
Minimum:
€10
Auto-invest:
Yes
Sec. market:
No
Protection:
Mortgage
Bonus:
No
Or see our:
Income Marketplace review
Avg. return:
~14.00%
Available:
Europe
Launched:
2016
Minimum:
€10
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Buyback
Bonus:
+0-2%
Or see our:
Swaper review
Avg. return:
~12.16%
Available:
Worldwide
Launched:
2020
Minimum:
€100
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Multiple
Bonus:
No
Or see our:
HeavyFinance review
Avg. return:
~12.40%
Available:
Worldwide
Launched:
2017
Minimum:
€5
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Buyback
Bonus:
+1%
Or see our:
Bondster review
Avg. return:
~11.10%
Available:
Europe
Launched:
2019
Minimum:
€50
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Assets
Bonus:
+1%
Or see our:
LANDE review
Avg. return:
~12.00%
Available:
Europe
Launched:
2020
Minimum:
€5
Auto-invest:
Yes
Sec. market:
No
Protection:
Buyback
Bonus:
€20
Or see our:
Kviku review
Avg. return:
~12.00%
Available:
Europe
Launched:
2016
Minimum:
€10
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Buyback
Bonus:
No
Or see our:
Monestro review
Avg. return:
~12.00%
Available:
Europe
Launched:
2017
Minimum:
€10
Auto-invest:
Yes
Sec. market:
Yes
Protection:
Buyback
Bonus:
No
Or see our:
Robocash review
Avg. return:
~16.00%
Available:
World (÷USA)
Launched:
2019
Minimum:
€100
Auto-invest:
No
Sec. market:
Yes
Protection:
None
Bonus:
No
Or see our:
CrowdedHero review (soon)
Avg. return:
~11.00%
Available:
Europe
Launched:
2016
Minimum:
€10
Auto-invest:
Yes
Sec. market:
No
Protection:
Buyback
Bonus:
No
Or see our:
VIAINVEST review
At P2PPlatforms.com, we strive to list only the absolute best companies in the P2P industry. Where appropriate, we do also feature our partners. However, this doesn’t influence our evaluations. All opinions are our own.
Find the best P2P lending platforms for investors
Are you looking to invest in P2P lending? Then you have arrived at the right place. Here at P2PPlatforms.com we do nothing but test and review various Peer-to-Peer lending companies in Europe.
To find the best P2P lending platform for investors in Europe, simply follow the step-by-step guide below. This should make you more prepared well to choose the best P2P website for you to invest with:
1. Decide which type of P2P platform you want to use
Peer-to-Peer investment platforms are far from similar. There are several different types of European crowdfunding platforms, you should consider.
P2P lending platforms
P2P lending, also known as debt-based crowdfunding, is where it all began. Here the idea is that a group of investors is joining forces to invest in loans for, among other things, private individuals. As a result, borrowers typically get a faster and/or easier way to get a loan. In return, investors get a return on their investments.
P2P lending can be done to individuals, companies, and real estate projects.
One of the most popular P2P lending platforms in Europe is Mintos.
Equity crowdfunding platforms
Equity crowdfunding platforms work very much like P2P lending platforms. But instead of lending money to people, you invest more directly in a share of, for example, real estate.
Due to the fact that you will own part of what you invest in, crowdfunding does not work for individuals. The typical form of crowdfunding is in real estate – hence the name real estate crowdfunding.
One of the most popular real estate crowdfunding platforms is EstateGuru.
2. Compare Peer-to-Peer lending sites in Europe
At the top of this page, we have created an overview that makes it easy to compare P2P websites in Europe. We recommend that you use the overview to give you an insight into some of the Peer-to-Peer investment opportunities you have. You can compare P2P platforms in Europe based on the following factors:
- Average investment return
- Availability of the platform
- P2P lending platform age
- Types of loans on the platform
- Minimum investment
- P2P lending apps
- Key features
We recommend that you initially select 3-5 crowdlending platforms that you want to take a closer look at.
3. Read our P2P lending platform reviews
If you now have a handful of platforms to choose from, you can easily learn more about the platforms in our Peer-to-Peer lending reviews. You can find links to the reviews by individual providers in the overview.
In the reviews you can read more about the concept, and much more:
- Pros and cons
- How safe the company is
- Who can invest in the platform
- What alternatives you can consider
- Other people’s opinion
4. Choose your P2P investment platform
When you are done comparing the Peer-to-Peer lending platforms and have read some reviews, then it’s time to choose the best P2P lending platform for you.
If you want to invest a lot of money, then it may actually be a good idea to choose multiple online money lending platforms to minimize your platform risk. But if you with a smaller amount of money just want to try and see if Peer-to-Peer investing is something for you, then you can also go with just one platform.
Whenever you’re ready to use our peer-to-peer lending comparison area, simply press the button below to get there. There you will be able to find some of the best companies in the P2P finance industry, and maybe even get started with P2P investing today.
10 biggest peer-to-peer lending companies in the world
Measured by total funding volume, the 10 biggest peer-to-peer lending companies worldwide are:
- Mintos
- Credimi
- PeerBerry
- CG24 Group
- Twino
- Opyn
- October
- Bondora
- EstateGuru
- Robocash
Even though these are the biggest P2P lending platforms worldwide measured by total funding volume, they are not necessarily the best peer-to-peer lending platforms for investors. This is due to the fact that the biggest is not always the best.
If you are looking for a European P2P lending platform to invest with, it is of course a good idea to take into consideration how large the platform is.
A big peer-to-peer lending platform indicates a lot of activity, which typically comes with benefits for investors. For example, the largest P2P platforms typically have a much more active secondary market.
Just don’t get carried away by the company’s size.
Invest safely on peer-to-peer lending platforms in Europe
If you have never invested in P2P lending before, read on here. Here we outline some of the typical fall groups that may be associated with investing in P2P investment platforms. With this, we hope to give you a better idea of how to invest in Peer-to-Peer lending.
1. Only invest what you can afford to lose
When it comes to investing in general, it is important that you invest only what you can actually afford to lose. While investing through various international Peer-to-Peer lending platforms can yield a high return, no investment is without risk. As an example, a seemingly successful lending platform you invest with can potentially end up going bust.
2. Invest through multiple P2P lending platforms in Europe
If you invest a substantial portion of your money in Peer-to-Peer investments, then you should seriously consider doing so through multiple digital lending platforms. This is because the global lending platforms in themselves impose a risk to you as an investor.
For example, in 2019, the platform Lendy collapsed, which meant many investors lost a part of their initial investments.
The best way to safeguard against such kind of platform risk is to invest through several different consumer lending platforms.
3. Do not overinvest in one P2P loan
Whatever you do, don’t put all your eggs in one basket. That saying also goes with investments in Peer-to-Peer loans. At times, the loans go into default, which means you risk losing your money – even if the loan has a buyback guarantee.
Therefore, investing in many different loans is a better idea than just investing in one. At some Peer-to-Peer lending sites, you can invest very small amounts per loan. Doing so will minimize your risk against the individual P2P loan.
4. A buyback guarantee is only as solid as the one behind it
Buyback guarantees are a very popular selling point for the many different Peer-to-Peer lending companies. And as long as those who promise you to buy the investment from you in case it goes down are solvent, well then it is also a pretty good deal. However, should the online lending platform or loan originator not be able to pay the buyback guarantee, you risk losing your entire investment. So always bear in mind that a buyback guarantee is only as solid as the one behind it – which usually is the P2P lending platform or the lending company itself.